Compare Volvo XC60 Insurance Quotes in Irvine

The recommended way to get budget Volvo XC60 insurance is to compare prices once a year from providers that insure vehicles in Irvine. This can be done by following these steps.

A good tip to remember is to make sure you’re comparing the same liability limits and deductibles on every price quote and and to get rates from as many auto insurance providers as possible. This helps ensure a fair price comparison and a good representation of prices.

Insurance rates Volvo XC60 in IrvineAmazingly, a recent study showed that almost 70% of insureds renewed their policy with the same company for over three years, and nearly the majority have never taken the time to shop around. California drivers could save themselves $470 a year by just shopping around, but most undervalue the rate savings if they switched to a more affordable policy.

Choosing the best rates in Irvine can be much easier if you know how to start. Nearly every driver who shops for auto insurance will more than likely be able to cut their insurance bill. Although California vehicle owners must learn the way companies determine prices.

How to buy Volvo XC60 insurance online

To get cheaper Irvine car insurance quotes, there a variety of ways to obtain and compare prices from different Irvine insurance companies. The fastest way to comparison shop is to perform an online rate comparison.

It’s so simple to compare insurance rates online makes it obsolete to spend time driving to each insurance agency near you. The ability to quote Volvo XC60 insurance online has made agencies unnecessary unless your situation requires the trained advice that only an agent can give. You can, however, get prices online but have a local agent actually write the policy.

Keep in mind that comparing all the rates in your area will improve the odds of getting the best offered rates.

The companies shown below have been selected to offer comparison quotes in Irvine, CA. To buy cheaper car insurance in Irvine, we suggest you visit several of them to get a more complete price comparison.

Car insurance does more than just protect your car

Despite the high cost of buying insurance for a Volvo XC60 in Irvine, insurance serves several important purposes.

The benefits of buying enough insurance are without a doubt worth the cost, especially when you need to use it. The average driver in America overpays more than $865 each year so it’s recommended you shop around at every policy renewal to save money.

Rates and statistics

The rate information shown next covers different coverage costs for Volvo XC60 models. Having a good understanding how prices are formulated can help drivers make decisions on the best policy coverages.

Volvo XC60 Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC60 3.2 2WD $390 $576 $492 $30 $148 $1,636 $136
XC60 3.2 AWD $440 $576 $492 $30 $148 $1,686 $141
XC60 T6 AWD AWD $440 $678 $492 $30 $148 $1,788 $149
XC60 T6-R AWD AWD $490 $678 $492 $30 $148 $1,838 $153
Get Your Own Custom Quote Go

Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Prices do not factor in vehicle location which can alter price quotes considerably.

Choosing deductibles

When comparing auto insurance rates, the most common question is where to set your physical damage deductibles. The tables below outline the costs and benefits when you choose different policy deductibles. The first rate estimation uses a $250 deductible for comp and collision and the second set of prices uses a $500 deductible.

Volvo XC60 insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC60 3.2 2WD $342 $576 $376 $22 $112 $1,453 $121
XC60 3.2 AWD $386 $576 $376 $22 $112 $1,497 $125
XC60 T6 AWD AWD $386 $678 $376 $22 $112 $1,599 $133
XC60 T6-R AWD AWD $430 $678 $376 $22 $112 $1,643 $137
Get Your Own Custom Quote Go

Volvo XC60 insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC60 3.2 2WD $278 $464 $376 $22 $112 $1,252 $104
XC60 3.2 AWD $314 $464 $376 $22 $112 $1,288 $107
XC60 T6 AWD AWD $314 $546 $376 $22 $112 $1,370 $114
XC60 T6-R AWD AWD $348 $546 $376 $22 $112 $1,404 $117
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rate quotes do not factor in specific garaging location which can impact coverage rates greatly.

Based on the data above, we can derive that using a $250 deductible will cost you approximately $18 more each month or $216 every year averaged for all XC60 models than choosing the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you go at a minimum 14 months between claim filings, you would probably save some money by going with a higher deductible.

The example below demonstrates how deductible levels and can affect Volvo XC60 annual premium costs for different age groups. The price estimates are based on a married male driver, full physical damage coverage, and no policy discounts are applied.

Males versus Females

The diagram below shows the difference between Volvo XC60 insurance prices for male and female drivers. The prices are based on a clean driving record, no claims, comprehensive and collision coverage, $100 deductibles, single marital status, and no discounts are factored in.

Cheap Irvine insurance rates with discounts

Auto insurance companies don’t necessarily list every discount available very well, so we took the time to find both the well known and the harder-to-find credits that may apply to you.Save money with discounts

One last thing about discounts, many deductions do not apply to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. Despite the appearance that it’s possible to get free car insurance, it just doesn’t work that way.

The information below shows the difference between Volvo XC60 yearly insurance costs with and without some available policy discounts. The information is based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, claim-free, marriage, safe-driver, and multi-policy discounts applied.

To find providers that offer the discounts shown above in California, click this link.

Compare rate quotes but buy from a local Irvine insurance agent

Some people prefer to get professional advice from a licensed agent and that is a personal choice. The best thing about comparing rate quotes online is you can get lower rates and still buy from a local agent.

To find an agent, once you fill out this short form, your insurance coverage information is transmitted to agents in your area who will give competitive quotes for your coverage. It’s much easier because you don’t need to do any legwork since rate quotes are delivered to you instantly. Get lower rates without a big time investment. If you wish to get a price quote from a specific insurance company, you can always jump over to their website and fill out their quote form.

Picking an provider needs to be determined by more than just a cheap price quote. Before buying a policy in Irvine, get answers to these questions.

Different types of auto insurance agents in Irvine

When narrowing the list to find a local agent, it helps to know the two different types of agents and how they function. Auto insurance policy providers can be described as either exclusive or independent (non-exclusive).

Exclusive Auto Insurance Agencies

These agents generally can only insure with one company like Farmers Insurance or State Farm. Exclusive agencies are unable to compare other company’s rates so you might not find the best rates. These agents are very knowledgeable on their company’s products and that enables them to sell even at higher rates.

Below are exclusive insurance agencies in Irvine willing to provide comparison quotes.

4860 Irvine Blvd Ste 206Irvine, CA 92620(714) 505-2457View Map

5410 Trabuco Rd #100Irvine, CA 92620(949) 726-9015View Map

2151 Michelson Dr #242Irvine, CA 92612(949) 752-6335View Map

More insurance agents

Independent Auto Insurance Agencies

Agents that elect to be independent do not sell for just one brand so they can write business through lots of different companies and find you the best rates. To move your coverage to a new company, they simply move the coverage in-house which is easy for the insured.

If you are trying to find cheaper rates, we recommend you get several quotes from several independent agencies in order to compare the most rates.

Below is a short list of independent insurance agents in Irvine that can give you price quote information.

10 Hughes # 205Irvine, CA 92618(949) 458-0442View Map

16969 Von Karman Ave #100Irvine, CA 92606(949) 660-7061View Map

100 Pacifica Suite 340Irvine, CA 92618(800) 886-3897View Map

More insurance agents

Quote. Compare. Save.

Low-cost Volvo XC60 insurance in Irvine is possible from both online companies and also from your neighborhood Irvine agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers do not provide the ability to get quotes online and usually these small insurance companies only sell through independent agents.

As you shop your coverage around, never buy poor coverage just to save money. There are a lot of situations where someone sacrificed liability coverage limits and discovered at claim time that the savings was not a smart move. Your strategy should be to get the best coverage possible at the lowest possible cost while not skimping on critical coverages.

Additional detailed information can be found by following these links: